QCR Holdings, Inc. (QCRH) 10-Year Financial Performance & Capital Metrics

QCRH • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

AboutQCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. The company also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. Its loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, the company engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. It serves the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities. The company was founded in 1993 and is headquartered in Moline, Illinois.Show more

Net Interest Income $232M +4.9%
Total Revenue $588M +9.7%
Net Income $114M +0.3%
Return on Equity 12.09% -11.7%
Net Interest Margin 2.57% -0.8%
Efficiency Ratio 33.69% -9.8%
ROA 1.3% -5.9%
Equity / Assets 11.05% +6.4%
Book Value per Share 58.81 +11.9%
Tangible BV/Share 49.98 +14.9%
Debt/Equity 0.57 -29.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 33.7% efficiency ratio
✓Well capitalized: 11.1% equity/assets
✓Trading near 52-week high
✓Trading at only 1.5x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y18.84%

5Y16.1%

3Y26.01%

TTM-

Profit (Net Income) CAGR

10Y22.51%

5Y14.68%

3Y4.8%

TTM-0.87%

EPS CAGR

10Y14.58%

5Y13.26%

3Y2.67%

TTM-1.48%

ROCE

10Y Avg7.14%

5Y Avg7.6%

3Y Avg6.76%

Latest6.15%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	76.3M	94.52M	116.06M	142.4M	155.56M	166.95M	178.23M	231.12M	221.01M	231.79M
NII Growth %	0.1%	0.24%	0.23%	0.23%	0.09%	0.07%	0.07%	0.3%	-0.04%	0.05%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	90M	106.47M	135.52M	182.88M	216.08M	198.37M	200.16M	292.57M	413.41M	481.86M
Interest Expense	13.71M	11.95M	19.45M	40.48M	60.52M	31.42M	21.92M	61.45M	192.4M	250.07M
Loan Loss Provision	6.87M	7.48M	8.47M	12.66M	7.07M	55.7M	3.49M	8.28M	16.54M	17.1M
Non-Interest Income+	21.29M	27.93M	26.74M	37.34M	62.54M	108.21M	93.61M	73.04M	122.21M	105.92M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	111.29M	134.4M	162.26M	220.22M	278.62M	306.59M	293.76M	365.61M	535.62M	587.77M
Revenue Growth %	0.06%	0.21%	0.21%	0.36%	0.27%	0.1%	-0.04%	0.24%	0.47%	0.1%
Non-Interest Expense	70.12M	78.38M	93.68M	114.94M	139.01M	146.17M	146.89M	182.33M	200.06M	198.03M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	20.6M	36.59M	40.65M	52.13M	72.03M	73.29M	121.47M	113.55M	126.83M	122.58M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.14%	0.78%	0.11%	0.28%	0.38%	0.02%	0.66%	-0.07%	0.12%	-0.03%
Pretax Income+	20.6M	36.59M	40.65M	52.13M	72.03M	73.29M	121.47M	113.55M	126.62M	122.58M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	3.67M	8.9M	4.95M	9.02M	14.62M	12.71M	22.56M	14.48M	13.06M	8.73M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	16.93M	27.69M	35.71M	43.12M	57.41M	60.58M	98.91M	99.07M	113.56M	113.85M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.13%	0.64%	0.29%	0.21%	0.33%	0.06%	0.63%	0%	0.15%	0%
Net Income (Continuing)	16.93M	27.69M	35.71M	43.12M	57.41M	60.58M	98.91M	99.07M	113.56M	113.85M
EPS (Diluted)+	1.61	2.17	2.61	2.86	3.60	3.80	6.20	5.87	6.73	6.71
EPS Growth %	-0.06%	0.35%	0.2%	0.1%	0.26%	0.06%	0.63%	-0.05%	0.15%	-0%
EPS (Basic)	1.64	2.20	2.68	2.92	3.65	3.84	6.30	5.94	6.79	6.77
Diluted Shares Outstanding	10.5M	12.77M	13.68M	15.06M	15.97M	15.95M	15.95M	16.89M	16.87M	16.96M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	78.06M	134.52M	131.49M	218.72M	224.15M	147.93M	112.78M	127.08M	202.04M	235.17M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.18B	2.78B	3.44B	4.24B	4.28B	5.16B	5.59B	7.13B	7.6B	7.98B
Investments Growth %	0.04%	0.28%	0.24%	0.23%	0.01%	0.21%	0.08%	0.27%	0.07%	0.05%
Long-Term Investments	1.85B	2.53B	3.17B	3.98B	4.07B	4.8B	5.25B	6.79B	7.3B	7.7B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	3.22M	13.11M	28.33M	77.83M	74.75M	74.07M	74.07M	137.61M	139.03M	138.59M
Intangible Assets	1.47M	7.38M	9.08M	17.45M	14.97M	11.38M	9.35M	16.76M	13.82M	11.06M
PP&E (Net)	37.35M	60.64M	62.84M	75.58M	73.86M	72.69M	78.53M	117.95M	123.28M	159.15M
Other Assets	124.11M	137.54M	168.41M	204.25M	155.99M	171.34M	187.56M	392.54M	434.01M	483.8M
Total Current Assets	575.15M	551.05M	545.84M	597.75M	522.71M	574.14M	494.26M	498.96M	531.87M	532.78M
Total Non-Current Assets	2.02B	2.75B	3.44B	4.35B	4.39B	5.13B	5.6B	7.45B	8.01B	8.49B
Total Assets+	2.59B	3.3B	3.98B	4.95B	4.91B	5.71B	6.1B	7.95B	8.54B	9.03B
Asset Growth %	0.03%	0.27%	0.21%	0.24%	-0.01%	0.16%	0.07%	0.3%	0.07%	0.06%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	444.16M	375.92M	309.48M	404.97M	278.95M	177.11M	170.81M	825.89M	716.79M	567.73M
Net Debt	366.11M	241.4M	177.99M	186.25M	54.81M	29.19M	58.02M	698.81M	514.75M	332.56M
Long-Term Debt	189.5M	250.98M	260.49M	332.19M	265.53M	171.68M	167M	696.26M	716.79M	567.73M
Short-Term Debt	254.66M	124.94M	48.99M	72.77M	13.42M	5.43M	3.8M	129.63M	1.5M	1.8M
Other Liabilities	42.48M	-29.28M	53.24M	94.57M	183.69M	335M	325.55M	366M	420M	397.92M
Total Current Liabilities	2.14B	2.79B	3.32B	4.05B	3.92B	4.6B	4.93B	6.11B	6.52B	7.06B
Total Non-Current Liabilities	231.98M	221.7M	313.73M	426.77M	449.23M	506.68M	492.55M	1.06B	1.14B	965.66M
Total Liabilities	2.37B	3.02B	3.63B	4.48B	4.37B	5.11B	5.42B	7.18B	7.65B	8.03B
Total Equity+	225.89M	286.04M	353.29M	473.14M	535.35M	593.79M	677.01M	772.72M	886.6M	997.39M
Equity Growth %	0.57%	0.27%	0.24%	0.34%	0.13%	0.11%	0.14%	0.14%	0.15%	0.12%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.09%	0.11%	0.11%	0.1%	0.11%	0.11%	0.16%	0.14%	0.14%	0.12%
Book Value per Share	21.51	22.41	25.83	31.41	33.53	37.22	42.46	45.75	52.57	58.81
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	11.76M	13.11M	13.92M	15.72M	15.83M	15.81M	15.61M	16.8M	16.75M	16.88M
Additional Paid-in Capital	123.28M	156.78M	189.08M	270.76M	274.79M	275.81M	273.77M	370.71M	370.81M	374.98M
Retained Earnings	92.97M	118.62M	151.96M	192.2M	245.84M	300.8M	386.08M	450.11M	554.99M	665.17M
Accumulated OCI	-2.12M	-2.46M	-1.67M	-5.54M	-1.1M	1.38M	1.55M	-64.9M	-55.96M	-59.64M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	30.1M	43.38M	33.71M	64.27M	76.49M	112.18M	88.22M	118.7M	376.32M	444.54M
Operating CF Growth %	0.18%	0.44%	-0.22%	0.91%	0.19%	0.47%	-0.21%	0.35%	2.17%	0.18%
Net Income	16.93M	27.69M	35.71M	43.12M	57.41M	60.58M	98.91M	99.07M	113.56M	113.85M
Depreciation & Amortization	3.26M	3.87M	4.95M	6.14M	7.49M	7.48M	7.39M	10.52M	11.66M	11.23M
Deferred Taxes	-2M	-3.07M	-6.03M	6.29M	6.36M	-14.53M	15.27M	-4.68M	-946K	-7.19M
Other Non-Cash Items	13.92M	6.39M	7.22M	12.5M	-28K	59.43M	8.51M	9.94M	261.18M	349.69M
Working Capital Changes	-2.95M	7.55M	-9.32M	-5.23M	2.79M	-2.94M	-44.21M	1.42M	-11.81M	-25.86M
Cash from Investing+	-66.07M	-168.97M	-410.52M	-333.65M	-308.66M	-704.48M	-411.77M	-634.69M	-749.27M	-845.23M
Purchase of Investments	-232.09M	-179.6M	-179.79M	-84.05M	-76.31M	-356.94M	-173.2M	-230.5M	-187.63M	-218.03M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-69.91M	-3.37M	-5.18M	42.59M	-154K	0	144.97M	0	0
Other Investing	-138.42M	-198.67M	-374.2M	-303.12M	-368.59M	-482.01M	-420.31M	-702.72M	-688.61M	-661.07M
Cash from Financing+	39.48M	154.42M	381.96M	279.18M	222.9M	577.38M	299.71M	538.23M	410.35M	395.3M
Dividends Paid	-782.05K	-1.98M	-2.49M	-3.3M	-3.77M	-3.78M	-3.79M	-3.94M	-4.03M	-4.03M
Share Repurchases	0	0	0	0	0	-3.78M	-14.17M	-52.95M	-8.69M	0
Stock Issued	65.04M	31.93M	2.06M	1.28M	1.93M	1.36M	670K	422K	1.4M	1.47M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	1000K	-1000K	-1000K
Other Financing	200.99M	302.39M	385.08M	271.27M	335.58M	687.75M	323.63M	-15.13M	529.79M	547.18M
Net Change in Cash+	3.51M	28.83M	5.15M	9.8M	-9.27M	-14.93M	-23.84M	22.23M	37.4M	-5.39M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	38.24M	41.74M	70.57M	75.72M	85.52M	76.25M	61.33M	37.49M	59.72M	97.12M
Cash at End	41.74M	70.57M	75.72M	85.52M	76.25M	61.33M	37.49M	59.72M	97.12M	91.73M
Interest Paid	14.03M	11.93M	19.05M	38.78M	59.29M	32.18M	23.37M	58.65M	187.95M	247.67M
Income Taxes Paid	2.62M	10.76M	13.04M	30K	2.72M	24.57M	48.99M	1.06M	2.85M	4.85M
Free Cash Flow+	25.7M	37.35M	27.95M	52.81M	64.06M	107.91M	74.24M	85.44M	361.38M	400.05M
FCF Growth %	0.09%	0.45%	-0.25%	0.89%	0.21%	0.68%	-0.31%	0.15%	3.23%	0.11%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	9.15%	10.82%	11.17%	10.44%	11.39%	10.73%	15.57%	13.67%	13.69%	12.09%
Return on Assets (ROA)	0.66%	0.94%	0.98%	0.97%	1.16%	1.14%	1.68%	1.41%	1.38%	1.3%
Net Interest Margin	2.94%	2.86%	2.91%	2.88%	3.17%	2.93%	2.92%	2.91%	2.59%	2.57%
Efficiency Ratio	63%	58.32%	57.74%	52.19%	49.89%	47.68%	50%	49.87%	37.35%	33.69%
Equity / Assets	8.71%	8.66%	8.87%	9.56%	10.91%	10.41%	11.11%	9.72%	10.38%	11.05%
Book Value / Share	21.51	22.41	25.83	31.41	33.53	37.22	42.46	45.75	52.57	58.81
NII Growth	10.46%	23.88%	22.8%	22.69%	9.24%	7.32%	6.76%	29.67%	-4.38%	4.88%
Dividend Payout	4.62%	7.16%	6.98%	7.65%	6.56%	6.24%	3.84%	3.98%	3.55%	3.54%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024
Fiduciary and Trust	-	-	-	-	-	-	-	-	13.03M
Fiduciary and Trust Growth	-	-	-	-	-	-	-	-	-
Deposit Account	-	-	6.42M	6.81M	6.04M	-	-	-	8.53M
Deposit Account Growth	-	-	-	6.10%	-11.32%	-	-	-	-
Debit Card	-	-	3.26M	3.36M	3.4M	-	-	-	6.17M
Debit Card Growth	-	-	-	2.89%	1.34%	-	-	-	-
Investment Advisory, Management and Administrative Service	-	-	-	-	-	-	-	-	4.86M
Investment Advisory, Management and Administrative Service Growth	-	-	-	-	-	-	-	-	-
Correspondent Clearing	-	-	851.51K	773K	903K	-	-	-	2.09M
Correspondent Clearing Growth	-	-	-	-9.22%	16.82%	-	-	-	-
Trust fees	-	-	-	-	-	-	10.64M	11.7M	-
Trust fees Growth	-	-	-	-	-	-	-	9.92%	-
Deposit service fees	-	-	-	-	-	6.13M	8.13M	8.18M	-
Deposit service fees Growth	-	-	-	-	-	-	32.65%	0.53%	-
Debit card fees	-	-	-	-	-	4.22M	5.46M	6.2M	-
Debit card fees Growth	-	-	-	-	-	-	29.48%	13.57%	-
Investment advisory and management fees	-	-	-	-	-	4.08M	3.86M	3.86M	-
Investment advisory and management fees Growth	-	-	-	-	-	-	-5.44%	0.16%	-
Correspondent banking fees	-	-	-	-	-	1.11M	967K	1.66M	-
Correspondent banking fees Growth	-	-	-	-	-	-	-13.20%	71.87%	-
Trust department fees	-	-	-	-	-	11.21M	-	-	-
Trust department fees Growth	-	-	-	-	-	-	-	-	-
Fiduciary And Trust	-	-	8.71M	9.56M	9.21M	-	-	-	-
Fiduciary And Trust Growth	-	-	-	9.78%	-3.68%	-	-	-	-
Investment Advisory Management And Administrative Service	-	-	4.73M	7M	5.32M	-	-	-	-
Investment Advisory Management And Administrative Service Growth	-	-	-	48.02%	-23.97%	-	-	-	-
Wealth Management	9.16M	11.06M	-	-	-	-	-	-	-
Wealth Management Growth	-	20.76%	-	-	-	-	-	-	-
Others	109.56K	232.66K	-	-	-	-	-	-	-
Others Growth	-	112.35%	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

QCR Holdings, Inc. (QCRH) has a price-to-earnings (P/E) ratio of 13.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

QCR Holdings, Inc. (QCRH) grew revenue by 9.7% over the past year. This is steady growth.

Yes, QCR Holdings, Inc. (QCRH) is profitable, generating $112.8M in net income for fiscal year 2024 (19.4% net margin).

Dividend & Returns

Yes, QCR Holdings, Inc. (QCRH) pays a dividend with a yield of 0.27%. This makes it attractive for income-focused investors.

QCR Holdings, Inc. (QCRH) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics

QCR Holdings, Inc. (QCRH) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

QCR Holdings, Inc. (QCRH) has an efficiency ratio of 33.7%. This is excellent, indicating strong cost control.

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